Credit Acceptance (CACC) furnishes investor website materials under Reg FD 8-K

Rhea-AI Filing Summary

Credit Acceptance Corporation filed a current report to furnish materials prepared for its investor relations website. These materials are attached as Exhibit 99.1 and are described as being added to the website on or about September 12, 2025. The company states that this information is being provided under Regulation FD and clarifies that the furnished materials, including Exhibit 99.1, are not deemed “filed” for purposes of Section 18 of the Exchange Act and are not automatically incorporated into other securities law filings unless specifically referenced.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

0000885550false00008855502025-09-122025-09-12

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):   September 12, 2025

CREDIT ACCEPTANCE CORPORATION

(Exact name of registrant as specified in its charter)

Michigan

000-20202

38-1999511

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

25505 West Twelve Mile Road

Southfield,

Michigan

48034-8339

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code:   (248) 353-2700

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, $.01 par value

CACC

The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 7.01 Regulation FD Disclosure.

Credit Acceptance Corporation is furnishing materials, included as Exhibit 99.1 to this report and incorporated herein by reference, which were prepared for inclusion on its investor relations website. This report should not be deemed an admission as to the materiality of any information contained in such materials.

The information furnished pursuant to this Item 7.01, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

Materials to be added to website on or about September 12, 2025.

104

Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			CREDIT ACCEPTANCE CORPORATION
Date: September 15, 2025			By:			/s/ Jay D. Martin
						Jay D. Martin
						Chief Financial Officer

FAQ

What did Credit Acceptance Corporation (CACC) disclose in this 8-K?

Credit Acceptance Corporation furnished investor relations materials as Exhibit 99.1. These materials were prepared for inclusion on its investor relations website and are provided under Regulation FD to support fair disclosure to the market.

What is Exhibit 99.1 in Credit Acceptance Corporation’s 8-K?

Exhibit 99.1 consists of materials to be added to Credit Acceptance Corporation’s investor relations website on or about September 12, 2025. The company is furnishing, rather than filing, these materials under Item 7.01 Regulation FD Disclosure.

Are the investor materials in CACC’s 8-K considered filed with the SEC?

No. The company specifies that the information furnished under Item 7.01, including Exhibit 99.1, is not deemed “filed” under Section 18 of the Exchange Act and is not subject to those liabilities unless expressly incorporated by reference.

Why does Credit Acceptance use Item 7.01 Regulation FD Disclosure?

Item 7.01 allows Credit Acceptance to furnish information intended for broad, fair disclosure, such as investor relations materials. It helps ensure all investors can access the same information through a publicly available SEC submission and the company’s website.

Who signed this Credit Acceptance Corporation 8-K filing?

The 8-K was signed on behalf of Credit Acceptance Corporation by Jay D. Martin, Chief Financial Officer. His signature indicates that he is duly authorized to sign the report under the requirements of the Securities Exchange Act of 1934.

What other exhibit is referenced in Credit Acceptance’s 8-K?

The filing also references Exhibit 104, described as the cover page interactive data file. It notes that the cover page XBRL tags are embedded within the Inline XBRL document associated with this current report.